Order a part for me?

Pycroft

Superjunior - My mom always used to say that to me and my brother, "Thank God I never had kids..." Now I understand that I have one

bigaudiofanatic

snow wrote: »

I didnt see helping him as rewarding bad behavior or getting him into further debt, I simply looked at it as something that was both easy and quick to do for a fellow Polkie that was asking for help. Sorta like loaning someone a cellphone so he could make a call because he had lost his.

Within 30 seconds of me sending him the total with shipping the money was returned to me via paypal with extra for doing it for him.


Now if he had wanted to borrow $20.00 to support his crack habit till payday I would have said no



REGARDS SNOW

And I thank you for that.

It is not that I can not afford it I just choose not to use a cc to pay for it.
Thanks again snow

Demiurge

bigaudiofanatic wrote: »

And I thank you for that.

It is not that I can not afford it I just choose not to use a cc to pay for it.
Thanks again snow

Last attempt....if you have debts (outside of the terms of a loan - car, mortgage, college), your obligations ought to be to take care of those debts before taking care of yourself.

You're all hung up on an $18 part and missing the big picture.

bigaudiofanatic

My last attempt so you can't use a cc to buy something and pay it off and decide not to use the card until the debt is paid off? My car PAID my motorcycle PAID my insurance for both PAID FULL YEAR my college PAID. That is all I am saying. I am focusing on paying my cards and decide not to use them. So what I decided to use money that I have in pay pal instead of using a card. Big deal and rewarded someone for helping me with that. thats all I am saying.

superjunior

Pycroft wrote: »

Superjunior - My mom always used to say that to me and my brother, "Thank God I never had kids..." Now I understand that I have one

I get it, but now that we're 40 we don't see the need. wife and I are both self employed and barely have time for each other, let alone a dog, 2 cats and 2 turtles. call me selfish, but besides paying off my house, I have no debt.
my number one goal in life is a very comfortable retierement and kids just aren't in the cards. when I die I'll leave it all to my nephew

Demiurge

bigaudiofanatic wrote: »

My last attempt so you can't use a cc to buy something and pay it off and decide not to use the card until the debt is paid off? My car PAID my motorcycle PAID my insurance for both PAID FULL YEAR my college PAID. That is all I am saying. I am focusing on paying my cards and decide not to use them. So what I decided to use money that I have in pay pal instead of using a card. Big deal and rewarded someone for helping me with that. thats all I am saying.

What?

If you have credit card debt you ought to be putting all of your "extra income" towards paying off the credit card debt rather than buying CD players and having random people on the internet buy you spare parts.

Get it yet? Don't worry, what you're doing is the new American way, which explains the mess we're all in.

Sherardp

In the future, get yourself a Visa Sharecheck card, which you use like a Visa Card but the funds come directly out of your account. I have been using this forever as I only have 1 major credit card myself. If you feel like your bad with money or bad habits take a financial management class. I have done this and now I'm way on top. They work OP and that's not making fun of you or picking on you bro. I took these while in the military some time ago. I was 24 and had over 30k in the bank, not bad considering I was in the military.

Fongolio

Demiurge wrote: »

What?

If you have credit card debt you ought to be putting all of your "extra income" toward paying off the credit card debt rather than buying CD players and having random people on the internet buy you spare parts.

Get it yet? Don't worry, what you're doing is the new American way, which explains the mess we're all in.

So is that to say that any of us who are in debt are not allowed any $20.00 luxury splurges until our debts are paid off in full? He had the money in a paypal account and forwarded it immediately to snow. So you have no debt whatsoever? And if you do, you spend nothing on any non-essentials. Last question.....who made you the judge? Man, unless you are totally and completely debt free or have debts but spend absolutely nothing an any extras you have no right to judge this person. My .02

Demiurge

Fongolio wrote: »

So is that to say that any of us who are in debt are not allowed any $20.00 luxury splurges until our debts are paid off in full?

Yes, in my world anyways.

You can do whatever you want with your life. If you post about your finances on the open forum and you're out of line I'll call you on it every time.

You do seem to also be missing the big picture. It's not just a $20 part, it's a CD player on top of it and who knows what else. Clearly showing he's more interested in buying **** for himself than pay off his credit card debt.

Fongolio wrote: »

He had the money in a paypal account and forwarded it immediately to snow.

He could give me $1,000 cash and he's no closer to fulfilling his obligations with the credit card companies he got into debt with.

Fongolio wrote: »

So you have no debt whatsoever?

As I said above:

Demiurge wrote:

...if you have debts (outside of the terms of a loan - car, mortgage, college), your obligations ought to be to take care of those debts before taking care of yourself.

Other than a mortgage, I am 100% debt free and have been since I was 19.

Fongolio wrote: »

Last question.....who made you the judge? Man, unless you are totally and completely debt free or have debts but spend absolutely nothing an any extras you have no right to judge this person. My .02

I guess I make a pretty good judge then.

Jstas

I am 100% debt free. I pay utility and insurance bills and that's it. Funny thing is, I agree with Demi 100% and by Fongolio's standards, I'm a pretty good judge. So my judgment is that Demi is on mark.

dorokusai

He is most certainly not ON me! but if he's nice and at least tells me I'm pretty....well, that's another story.

F1nut

I would have had a boot up the rear end so fast it would make an ethiopian chicken look slow.

Hehe......:D

Fongolio

Demiurge wrote: »

Other than a mortgage, I am 100% debt free and have been since I was 19. I guess I make a pretty good judge then.

Point well made. I still disagree with your approach to this subject though. I don't know enough about his circumstances to make any judgement whatsoever. Until such time he is my equal. You nor anyone else here has the right to look down on him, even if you've been financialy responsible all your adult life.

Face

Jstas wrote: »

I am 100% debt free. I pay utility and insurance bills and that's it.

No mortgage or taxes?

Demiurge

Fongolio wrote: »

Point well made. I still disagree with your approach to this subject though. I don't know enough about his circumstances to make any judgement whatsoever. Until such time he is my equal. You nor anyone else here has the right to look down on him, even if you've been financialy responsible all your adult life.

What is it you disagree with?

I didn't judge him. If I did, you'd point out where.

everpress

My wife and I are on our way to being debt free... Thank God. We still have abnormally large student loans, but our CC is mostly paid off, cars are paid off, by the grace of God my medical bills are paid off, and we don't have a house.
We saved up a tiny bit of money for insurance against something bad when we decided to take a Dave Ramsey course a few months ago.
Since then, a lot of bad things have happened, but because we followed through with the common sense teaching of Mr. Ramsey (which anyone could do), we are (as I said) mostly debt free.

Having made many a bad choice financially, I especially have to agree with the 'tough love' stance of Demiurge; if you don't have it, don't spend it.

tcrossma

There's a difference between being "in debt" and "not having any debt". I couldn't function without the ability to use some credit -- it just makes my life much easier.

We usually have one car loan outstanding, while the other car is paid off. We have a mortgage, but a large bit of equity. We have semi-revolving debt on our credits cards, but rarely maintain near-zero balances. And we have a decent amount of savings and retirement.

It doesn't always make sense to pay off all debt, although I'm certainly not saying it's a bad way to live if that's what works for you. There's just too many variables to say there's only one right way to manage one's finances.

But, I tend to agree with those siding against the OP in this. If you're not responsible enough to have a CC, and if you're coming to an online forum asking to borrow money (no matter for how short a time), that's a red flag to me.

snow

In a perfect world we would all never spend a dime on audio items or other luxury items unless we had all of our outstanding debts paid off, money set aside for emergency situations, retirement on track etc.

That being said I think teaching someone financial responsbility is important and IMHO a simple I believe you need to take care of your CC's before you spend on luxury items would have sufficed, rather than a pompous sounding im better than you because I dont have any debt all out assault.

I believe that most of us here are guilty at one time or the other in our lifes of spending money on audio or other luxury items that could have been more wisely spent elsewhere.

Why did I step in and offer to do a favor for BAF? One reason being is he is a fellow Polkie and audio nut,. I like helping people out that share a common interest. Secondly if I didnt, come monday morning he could and most likely would have went and bought a prepaid debit card from his local bank or CU and then went ahead purchased it himself anyways, he had for better or worse allready made up his mind to do what he wanted by not helping him it would have only slowed down the inevitable.

Thirdly I think that we all need to reward ourselves "once in a while" even if we have CC debt or school loans etc as long as the bulk of our money is going towards paying off our debts and we are not throwing most of our money away on un needed items its okay to spend $20.00 on a part or a CD every so often.

It is easy especially for younger people to make mistakes with credit and get over your head pretty fast, once you realize that you are take a step backwards and develop a plan to both pay your CC's off and keep your credit rating up as much as possible. Simply figure out what your income is and what your bills are, make certain that you dont stray from your plan, set aside a small part of your total income for rewards like going out to eat or buying a CD or something similar so you dont feel like your working for nothing.



REGARDS SNOW

Jstas

Face wrote: »

No mortgage or taxes?

Taxes aren't debt and no, no mortgage.

WilliamM2

Demiurge wrote: »

Other than a mortgage, I am 100% debt free and have been since I was 19.

Why isn't the mortgae paid off? You must have really messed up somewhere. Have you been spending money on other things even though you are still in debt?

snow

WilliamM2 wrote: »

Why isn't the mortgae paid off? You must have really messed up somewhere. Have you been spending money on other things even though you are still in debt?

:eek:

Gets the popcorn.



REGARDS SNOW

Demiurge

WilliamM2 wrote: »

Why isn't the mortgae paid off? You must have really messed up somewhere. Have you been spending money on other things even though you are still in debt?

Do I need to explain this because you're a moron or...?

Pycroft

Raise your hand if you have ever gone out to eat, or bought one too many Christmas gifts that you could afford for the year, or indulged in something you shouldn't have when owing money for something - credit cards, car loans, etc. I don't think anyone lives on bread and water from the age of 25-50 because they are paying off debts. Unless we all plan on posting our 401k's, bank statements, credit accounts online to prove who's holier, I suggest we let this die. I think the point has been made and overmade in both directions. My two cents.

Edit: I raise my hand

superjunior

I didn't pull my financial head out of my **** till I was 35. a couple things that helped me were some tapes by john commuta and kevin trodough.

woodsman10b

I have alot of debt, yet I too also spend lots of my money on luxuries, but my house is paid in full, I have enough money in my bank account to pay almost all my loans off, but I choose to keep my cash for emergencies or spontaneous situations. I have been givin one life and I will live it to the fullest, that in my eyes means that you have more fun than work! Which because of how I am, is what I am able to do, and do it quite well. I have alot of experiences which 95% people in the world will never experience, and I know that if I died tomorrow at the young age of 40, I know that atleast I enjoyed my life that I had, be it short or long. BTW I dont use credit cards anymore, just my debit card.

Seems to me Demi, that you have alot of luxuries, dont you? But in fact, your house is not paid for, so it seems that what you are saying to BAF is contradictory.

I agree that the way BAF asked for help, explaining to much info, was quite dramatic. A simple 'hey can someone who has a paypal account purchase something with a cc for me online and I will transfer the difference plus 5 extra into your paypal account' would have been fine and nobody would have been wasting time on this bs.

just me being me, common sense is, by far, worth more than any teachings

cstmar01

woodsman10b wrote: »

I have alot of experiences which 95% people in the world will never experience, and I know that if I died tomorrow at the young age of 40, I know that atleast I enjoyed my life that I had, be it short or long.

ah yes living in the northwoods will give you many new expirences from the upper talk to finding the hodag, to just sitting back in the middle of no where drinkin' bear and trying to figure out which lake you just drove into......
I'm just kidding, hope your staying warm up there.

gdb

My poo doesn't smell !:p

Knucklehead

Pycroft wrote: »

Raise your hand if you have ever gone out to eat, or bought one too many Christmas gifts that you could afford for the year, or indulged in something you shouldn't have when owing money for something - credit cards, car loans, etc. I don't think anyone lives on bread and water from the age of 25-50 because they are paying off debts. Unless we all plan on posting our 401k's, bank statements, credit accounts online to prove who's holier, I suggest we let this die. I think the point has been made and overmade in both directions. My two cents.

Edit: I raise my hand

I raise thy hand...shamefully.

Serendipity

williamm2 wrote: »

why isn't the mortgae paid off? You must have really messed up somewhere. Have you been spending money on other things even though you are still in debt?

lol!

Demiurge

woodsman10b wrote: »

Seems to me Demi, that you have alot of luxuries, dont you? But in fact, your house is not paid for, so it seems that what you are saying to BAF is contradictory.

Let's see if you can follow along:

Demiurge wrote: »

Last attempt....if you have debts (outside of the terms of a loan - car, mortgage, college), your obligations ought to be to take care of those debts before taking care of yourself.

You're all hung up on an $18 part and missing the big picture.

Can you put it together on your own or do I need to explain the point better for you? C'mon, let's not make Wisconsin look bad.